Your Guide To a Canadian Dental Care Plan for a Brighter Smile: Benefits, Coverage, and Application Process

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Dental health plays a crucial role in one’s overall health and quality of life. Whether you are living in Canada or elsewhere, unexpected dental emergencies can be stressful and painful. Thus, it is crucial to maintain a regular dental care plan to maintain optimal oral health.

If you are facing financial barriers to your oral health, then a Canadian Dental Care Plan (CDCP) might be the answer!

What is a Canadian Dental Care Plan?

In Canada, many seniors struggle to get the best oral care for themselves due to limited income or lack of insurance coverage. To address this issue, the Canadian government has introduced the Canadian Dental Care Plan (CDCP) for the residents of Canada to encourage regular dental checkups and prevent tooth decay by providing basic dental costs. 

With this benefit, families can access essential dental care in Canada for their young children and seniors, potentially reducing the risks of dental complications. Moreover, the federal government also plans to expand this coverage to include other groups, such as children under 18 and adults with disabilities to ultimately improve overall oral health for eligible Canadians. 

This article will address your concerns about Dental Care Canada, including who is eligible, what is covered, how to access it, and when to apply for this plan.

Who Can Take Advantage of the Canada Dental Care Plan?

The Canada Dental Care Plan (CDCP) is a new initiative designed to improve access to essential dental services for Canadians facing financial barriers.

The main goal of (CDCP) is to assist low-income families and seniors, particularly those earning below $90,000 annually. It also benefits those who lack private dental insurance or employer-provided advantages.

The application process for the Canadian Dental Care Plan (CDCP) will be managed by Service Canada, which will handle the initial intake, with applicants applying online or by phone.

Next, the Canada Revenue Agency (CRA) will verify your tax return filing status. If you are approved, your details will be shared with Sun Life, the insurance provider, that handles enrollment and provides coverage details.

Which Group is Prioritized When Getting Benefits from the Canada Dental Care Plan?

Since the Government of Canada is committed to making life more affordable for Canadians, the new Dental Care Canada plan is initiated to build a healthy future for them.

Seniors, Take the lead in Benefits! 

While available to all Canadians, seniors and low-income individuals benefit the most from the Canadian dental care plan for adults. Seniors, especially, face higher risks of dental issues due to age-related factors, so this plan will make affordable dental services vital for their well-being.

Canadian Dental Care Plan (CDCP) is in its phased rollout stage. 

The rollout began with seniors aged 87 and older being able to apply starting from December 2023. Applications for the CDCP will open in phases, with different groups becoming eligible at different times: 

  • Adults with a valid Disability Tax Credit certificate: Starting June 2024.
  • Children under the age of 18: Starting June 2024.
  • All remaining eligible Canadian residents: Starting in 2025.

Remember, a healthy smile begins with regular dental care. With the Canadian Dental Care Plan, achieving optimal oral health is within reach for all Canadians.

What Steps will be taken to Verify the Eligibility of Applicants?

The Canada Revenue Agency (CRA) will play a crucial role in verifying the eligibility of applicants for the Canadian Dental Care Plan (CDCP). Using its suite of compliance tools, the CRA will authenticate applicants’ identities and assess their eligibility based on several factors.

  • Applicants must provide evidence of Canadian residency, which could include documents like a driver’s license or utility bills.
  • The program mandates an adjusted family net income threshold below $90,000. Verification will involve scrutinizing financial documents such as tax returns or pay stubs.
  • Applicants are required to have filed their tax return for the previous year, ensuring accuracy of financial information.
  • The CDCP considers access to other dental insurance coverage through employers, pensions, or purchased plans.
  • Age is a determining factor, especially during phased rollout. Applicants may need to provide proof of age via birth certificates or government-issued IDs.

Applicants found ineligible for the Canadian Dental Care Plan (CDCP) during verification will be required to repay received benefits, losing access to program coverage.

What Services are Included in the Coverage of Dental Care Plan Canada?

Do you lack private dental insurance and have limited financial resources? If so, you’re in luck!

The Canada Dental Care Plan (CDCP) covers various types of dental care aimed at improving oral health outcomes for Canadian residents. Here are the types of dental care typically covered under the CDCP:

  • Preventive Services, including routine dental cleanings (scaling), polishing, sealants to prevent cavities, and fluoride treatments to strengthen tooth enamel.
  • Diagnostic Services, covering dental examinations to assess oral health status and X-rays for diagnostic purposes.
  • Restorative Services, including procedures such as fillings to treat cavities and restore damaged teeth.
  • Endodontic Services, treating root canals to save infected teeth.
  • Prosthodontic Services, covers the cost of complete and partial removable dentures for individuals who need tooth replacement.
  • Periodontal Services, maintaining deep scaling procedures to treat gum disease and restore gum health.
  • Oral Surgery Services, covering the extractions of damaged or decayed teeth, as well as other necessary oral surgical procedures.

It’s important to note that while the CDCP aims to provide coverage for essential dental care services, some treatments may require preauthorization. This means that prior approval from the CDCP is needed before certain procedures can be carried out.

 Additionally, coverage may vary based on individual circumstances and the specific terms of the plan.

How is the Payment Amount Determined for Services Covered By the Canada Dental Care Plan?

The Dental Care Plan Canada does not provide free dental care. The Canada Dental Care Plan (CDCP) reimburses a portion of eligible dental expenses based on established fee rates. Co-payments, which represent the portion not covered by the plan, vary depending on adjusted family net income under $90,000 annually.

  • No co-payment for those earning under $70,000 annually.
  •  40% co-payment for incomes between $70,000 and $79,999.
  •  60% co-payment for incomes between $80,000 and $89,999.

CDCP’s payment structure is designed to make dental plans Calgary more affordable for eligible individuals while ensuring that participating providers receive fair reimbursement for their services.

Note: Dentists can bill their standard fees, and patients may need to cover portions not included in the CDCP, along with potential co-payments. Hence, always discuss treatment costs, including any additional fees, when booking your appointments.

Take the First Step Towards a Healthier Smile

What is the Procedure for Applying to the CDCP?

To apply for the Canada Dental Care Plan (CDCP), you have to contact CRA via their website or contact number 1-800-715-8836. You will be notified immediately over the phone call if you are eligible or not.

The first step is to ensure your eligibility by providing personal information including full name, date of birth, social insurance number, and address.

If you meet the eligibility criteria, you will receive a letter with a personalized application code and instructions on how to apply. Upon applying, you will immediately be notified whether you have been successful in applying and are eligible.

If eligible, you’ll receive confirmation and further instructions on enrollment. If deemed eligible, your information will be shared with Sun Life, the program’s service provider, for enrollment. 

Once enrolled, you can start accessing oral health care services as outlined in the plan.

Note: If you provide accurate and up-to-date information, you can facilitate a smooth and efficient application process for the CDCP that will take no longer than 5-10 days.

Are Oral Health Providers Eligible to Enroll in the CDCP?

In early 2024, Oral health providers, such as dentists, denturists, dental hygienists, and dental specialists, who hold valid licenses and are in good standing to practice in their respective provinces or territories, have the opportunity to voluntarily enroll in the CDCP through Sun Life.

This enrollment option allows them to participate directly in the program, ensuring accessibility and coverage for patients in need of dental care.

Canada Dental Care Plan: Why is it Important for Oral Health?

Oral health is not merely about having a bright smile, but it is integral to our overall well-being. The current landscape reveals significant strains on both the healthcare system and the economy due to oral health-related ailments.

For instance, individuals without dental insurance often resort to emergency rooms for non-urgent dental problems, placing a considerable financial burden estimated at $1.8 billion on the healthcare system in 2017 alone.

Moreover, the repercussions extend beyond monetary costs; approximately 2.26 million school days and 4.15 million workdays are lost each year due to oral health concerns, impacting productivity and educational outcomes.

Furthermore, individuals grappling with gum diseases face heightened risks of heart attacks or strokes, underscoring the interconnectedness of oral health with broader health outcomes.

Therefore, it is important to apply for a Canada Dental Care Plan to ensure affordable and accessible dental care for all.

What is the Average Processing Duration for the Canada Dental Care Plan?

The time to receive the Canada Dental Care Plan varies depending on application processing, enrollment, and delivery of the welcome package. After applying through Service Canada, your eligibility is assessed, and if approved, your information is shared with Sun Life for enrollment. Once enrolled, Sun Life sends a welcome package, including coverage details and your member card.

This process may take several weeks to months, considering application processing times and mail delivery.

Take Charge of Your Oral Health Today

“I personally want to thank the Macleod Dental Team for helping me overcome my dentist anxiety and go through this process flawlessly. Great place for all your dental needs and by far the best dentist experience I ever had! Thank you, guys!”

— Alice Sawatsky, ★ ★ ★ ★ View Reviews

“Dr. David and all the staff at this office are just amazing. You can tell that client care and comfort is a top priority. I will continue using this Calgary dentist in the future.”

— Kennady Jones, ★ ★ ★ ★ ★ View Reviews

“My daughter got her wisdom teeth removed yesterday, she is in no pain whatsoever. Dr. David is the best dentist she has ever been to! We are over the moon grateful for him and his amazing, amazing staff!! Make sure to book an appointment with them if you have any dental needs.”

— kim rokosh, ★ ★ ★ ★ ★ View Reviews

All You Need to Know About a Canada Dental Care Plan

Here are some common questions and answers people tend to have regarding the Canada Dental Care Plan:

No, the money received from the Canada Dental Care Plan is not taxable. Moreover, you don’t have to pay back the Canada Dental Benefit because it’s structured as a reimbursement for eligible dental expenses rather than a loan or advance that needs to be repaid.

No, the CDCP cannot replace existing dental coverage through work or school. It is important to note that this is a government dental benefit and not a free dental program.

No. It’s crucial not to delay dental treatments or appointments because regular checkups help detect issues early, preventing them from becoming more serious and expensive.

No, receiving benefits from the Canada Dental Care Plan (CDCP) or Ontario Dental Plan Canada will not affect your eligibility for or benefits from other government dental programs like Healthy Smiles Ontario or the Ontario Disability Support Program. However, all benefits will be coordinated between programs to avoid duplication of coverage.

To qualify for the Canada Dental Care Plan (CDCP), filing an income tax return is necessary to verify eligibility based on income thresholds. Filing taxes promptly provides the government with the necessary proof to assess eligibility.

However, individuals who do not file taxes can still apply for the CDCP by contacting the Canada Revenue Agency (CRA) and completing their application over the phone with a CRA agent. During the application process, essential information such as the applicant’s social insurance number, residence, date of birth, proof of income, and other identifying details will be required for verification.

Absolutely, your dentist can still provide you with the care you need. However, keep in mind that the expenses won’t be covered by the CDCP.

If your AFNI is less than $70,000, the CDCP covers 100% of your dental expenses. However, if your AFNI is between $70,000 and $89,999, you may need to pay extra if your oral health provider charges more than the CDCP fees or if you choose services not covered by the CDCP.

What is the Appropriate Time to Apply For The Canada Dental Care Plan?

You can apply for the Canadian Dental Care Plan (CDCP) based on your eligibility group and the phased rollout schedule. 

The applications for Canadian dental plans for seniors aged 65 and above started in December 2023. However, eligible adults with a valid Disability Tax Credit certificate can apply starting in the next month (June) 2024.

Moreover, applications for children under the age of 18 also start in June 2024. Lastly, eligibility for all remaining eligible Canadian residents is scheduled to begin in 2025.

Note: The specific timing for your application will depend on your age group and eligibility status. Keep track of announcements and updates from Service Canada to determine when you can apply for dental plans Ontario.

Why Choose Macleod Trail Dental?

Comprehensive Care

At Macleod Trail Dental, we offer comprehensive dental care for families, including those who qualify for the Dental Care Plan Canada.

Patient-focused Care

With a team of experienced and friendly dental professionals, we prioritize gentle and considerate treatment, focusing on minimizing discomfort throughout your appointment.

Innovative Technology

We are equipped with modern dental technology and amenities to enhance the patient experience and facilitate efficient and effective treatments.

Family-friendly Environment

If you’re looking for a dentist for the whole family, we provide a comforting approach to children’s dentistry, making dental visits a positive experience for everyone.

Convenient Location and Hours

Conveniently situated in Heritage Square, Acadia neighborhood, Calgary, our clinic is easily accessible, particularly for residents of the nearby Fairview area. We offer extended weekday hours, including evenings, ensuring scheduling flexibility for busy patients and families.

Transparent Pricing

We follow the Alberta Fee Guide for basic dental services and provide transparent pricing, along with direct insurance billing, to make dental treatments cost-effective and hassle-free for patients.

Commitment to Safety

We uphold the highest standards of health and safety protocols, ensuring a clean and hygienic environment for all patients and staff members.